Loanstar Title Loans

Title loans · 921 Hwy 83

★ 5.0 · 503 ratingsHours listed

Se habla español

Should you go here?

Average reviews, but the loan itself is expensive.

Its share of bad reviews is about average for McAllen. The risk is the product: fees are high and your car is the collateral. Compare a cheaper option first.

Good sign

What borrowers say5.0★

503 ratings. Known for fast service. Known for explaining the terms clearly.

What borrowers say ↓

Watch out

Bad reviews2%

of its written reviews are 1–2★, a higher share than at 50% of McAllen stores. 3rd of 3 Loanstar Title Loans branches here.

How it compares ↓

Watch out

What it costs$190 / month

In fees on a $1,000 loan, at the McAllen area average. Texas sets no cap on these fees.

Work out your cost ↓

Watch out

Risk to your car4 in 100

Title-loan cars in the McAllen area were repossessed last quarter (OCCC, Q2 2026).

Good sign

Who they lend to

Income from benefits or retirement counts.

Before you go ↓

Check it

LicenceLook it up

Loan stores in Texas need an OCCC licence for each location. Check this one before you sign.

OCCC licence search ↗

A cheaper routeA credit-union loan could save you about $502 on $1,000 over 3 months →0.3 mi away · installment loansHeights Finance — ★ 4.9 →

From ratings and written reviews of this store, state fee data (OCCC, Q2 2026) and the chain’s own website. Checked September 2026. We don’t lend and no store pays us.

How it compares

Against every loan store in McAllen and every other Loanstar Title Loans branch.

Rating

5.0Higher than 62% of McAllen loan stores. City average is 4.5.

Lowest rated in McAllenHighest

Bad reviews (1–2★), share of written reviews

This store2%

Average Loanstar Title Loans branch in McAllen1%

Average McAllen title loan store1%

Bad reviews by year · 0% in 2026

212223242526

What borrowers say

Ask for Martin or Angelica
Known for fast service
Known for explaining the terms clearly

Counted in 175 written reviews. Bars: mentions per 100.

What borrowers appreciate

Fast service16 reviews · 9.1 per 100
Explains the terms clearly10 reviews · 5.7 per 100

Work out what you’d repay

Title lenders in the McAllen area report an average fee of $18.96 per $100 for 30 days (OCCC, Q2 2026). Texas sets no cap on these fees, so ask this store for its own.

I want to borrow

and pay it back

You’d pay in total

$1,190

$1,000 you borrowed$190 in fees

Paid back in one go after about a month. If you can’t pay, renewing costs another $190 each month and doesn’t reduce what you owe.

Before you go

What to take, and what to ask before you sign.

Bring these

Proof of incomeBank statementsPaid-off car titleThe car, so they can inspect it

Who they lend to

Income from benefits or retirement counts

At the store

Walk in, no appointment · Wheelchair access · Apply online first · Se habla español

Customer service 877-511-2274

From loanstartitleloans.net, checked September 2026

Ask these at the counter

1
What is the total I’ll repay, in dollars, and when?
Borrowers here mention: known for explaining the terms clearly.
2
What happens if I’m late?
Ask how many days before they can take the car.
3
Can I pay it off early, and is there a fee?
Texas law says your contract must allow early payoff with no penalty. Ask them to confirm.

Car title loans in Texas: how they work, your rights, how to get out →

Check the licence: OCCC licence search or call 800-538-1579.

A cheaper route

Need $1,000 for 3 months? A credit-union loan could save you about $502.

A Payday Alternative Loan (PAL) from a federal credit union is $200–$2,000, repaid over 1–12 months, capped at 28% a year plus a $20 fee at most. You usually join the credit union first, which can take a day.

Credit-union PAL$1,067

This title loan, renewed twice$1,569

Total repaid on $1,000 over 3 months, at the McAllen area average fee (OCCC) and the federal PAL cap (12 CFR 701.21).

Nearby alternatives

The closest real storefronts — at least two take a different route. Numbers match the map.

Been to Loanstar Title Loans?

Tell other borrowers what it was like. We read every review before it goes up, good or bad.

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In borrowers’ own words

“El processo fue muy rapido i sensillo recomendado muy amables”
“Everything is explained clearly and staff is very friendly and courteous”

Short lines from 4–5★ written reviews of this store. Complaints are counted above, never quoted.

About this lender

Title loans.

Part of a chain: Loanstar Title Loans has 33 locations across the Texas cities we cover — Houston (15), San Antonio (6), Fort Worth (3), McAllen (3), El Paso (2), Corpus Christi (2), Brownsville (1), Austin (1). See the Loanstar Title Loans brand page.

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